Cards for Small Businesses

Terms & Conditions

®, TM: Used by Amex Bank of Canada under license from American Express.
 

TM: 2020 Marriott International, Inc. All Rights Reserved. All names, marks and logos are the trademarks of Marriott International, Inc., or its affiliates, unless otherwise noted.

All Marriott Bonvoy terms and conditions apply at marriottbonvoy.com/terms. 

®*: Trademarks of AM Royalties Limited Partnership used under license by LoyaltyOne, Co. and Amex Bank of Canada.

†: All insurance coverage is subject to the terms and conditions of their respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully. 

 

1. To qualify for a Welcome Bonus of 75,000 points, you must have at least $7,000 in net purchases posted to your account in your first 3 months of Cardmembership. Account must be in good standing. This offer is not applicable to holders of an existing American Express Small Business Card product. When we stop offering the Welcome Bonus, we reserve the right to accept applications, but you will not be eligible for the Welcome Bonus. Offer subject to change.
   
   
2. Account must be in good standing. Membership Rewards points will be earned by the Basic Cardmember on the amount of all purchases, less credits and adjustments. Interest, annual fees, other fees, and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points.
   
   
3. As a charge card, the balance must always be paid in full each month in which no interest charges will apply. The interest free grace period is 28, 29, 30 or 31 days from the closing date of the current statement to the closing date of the next statement, depending on the number of days in the calendar month in which the closing date occurs. The number of interest-free days varies based on a variety of factors, including when charges are posted to your account, whether your account is in good standing, and the closing date of your statement.
   
   
4. Underwritten by Chubb Life Insurance Company of Canada (“Chubb Life”). You may contact the insurer at 1-877-777-1544 in Canada or visit www.chubb.com/ca.  
   
   
5. Global Lounge Collection - Holders of the Business Platinum Card may access participating Canadian and International airport lounges (“Participating Lounges”) on a complimentary basis, upon presentation of the required entry documentation. Participating Lounges may change from time to time. House rules, terms, and conditions of Participating Lounges apply. Use of Participating Lounges is subject to availability. Unless otherwise stated, Participating Lounge access cannot be used in conjunction with any other offer or benefit and is subject to change or cancellation at any time.
   
   
6. The Fixed Points Travel Program applies to return airfares offered through American Express Travel Services Canada or americanexpress.ca/travel. Card account must be in good standing. To be eligible and be presented with this redemption option, you must have sufficient Membership Rewards points (“points”) at the time of booking. When booking for multiple travellers on the same itinerary, you must have enough points to cover all travellers.
   
   
7. 45,000 Welcome Bonus points - This offer is only available to new American Express Business Edge™ Cardmembers. For current or former American Express Business Edge™ Cardmembers, we may approve your application, but you will not be eligible for the Welcome Bonus. Offer subject to change. To qualify for the Welcome Bonus you must have at least $5,000 in net purchases posted to your account in your first 3 months of Card Membership. Account must be in good standing. Please allow up to eight weeks for the Welcome Bonus to be awarded.
   
   
8. 1,000 Monthly Bonus points - To qualify, you must have at least $3,000 in net purchases posted to your account by the last day of each billing period. Purchases made during a billing period but posted after the end of that billing period may not count toward eligible spend for that month. If this occurs, that purchase will count toward eligible spend for the next billing period. For example, if your monthly billing period is from Oct. 15 to Nov. 14, a purchase made on Nov. 14 (transaction date) and posts on Nov. 15 (posting date) may not count for eligible spend for that month. In this case, that purchase will count toward spend in the next month's billing period. Account must be in good standing. Please allow up to eight weeks for your bonus points to be awarded.
   
   
9. You can earn Membership Rewards points for eligible purchases at American Express retail merchants as follows: Earn 3 points for every $1 at or for (i) office supply retailers whose primary business is the sale of office supplies in Canada, (ii) electronic goods retailers whose primary business is the sale of electronics in Canada, (iii) stand-alone automobile gasoline stations in Canada, (iv) local commuter transportation in Canada including subway, streetcar, taxi, limousine, and ridesharing services, (v) restaurant, quick-service restaurant, coffee shop and drinking establishments in Canada, and (vi) delivery of food in Canada as a primary business, but not including groceries, up to a combined maximum of 75,000 Membership Rewards points earned on net purchases posted to your account annually on all these categories. Once the maximum is reached, you will no longer earn 3 points for every $1, regardless of any deductions of points for credits, returns, and adjustments. Earn 1 point for every $1 thereafter. Calculation resets to zero each year on the Cardmembership anniversary date. Purchases at merchants where these categories are not their primary business, such as general merchandise retailers, do not qualify. Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 1 point for every $1 applies when the merchant code is not in an eligible category, using a payment account or service of a third party, a card reader attached to a mobile phone or online retailer that sells goods of other merchants or the merchant category is otherwise not identified. Provided your account is in good standing, points can be earned on eligible purchases, less credits and adjustments. Interest charges, annual fees, other fees, and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points. Points are not eligible for transfer to programs that offer airline and frequent flyer redemptions.
   
   
10. To qualify for a Welcome Bonus of 50,000 points, you must have at least $5,000 in net purchases posted to your account in your first 3 months of Cardmembership. Account must be in good standing. This offer is not applicable to holders of an existing American Express Small Business Card product. When we stop offering the Welcome Bonus, we reserve the right to accept applications, but you will not be eligible for the Welcome Bonus. Offer subject to change.
    
    
11. Account must be in good standing. Membership Rewards points (“points”) earned by the Basic Cardmember on all purchases, less credits and adjustments. Interest charges, annual fees, other fees, and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points. A minimum purchase of $0.50 is required to earn points. Earn one (1) point for every $1.00 in eligible purchases charged to your card. Subject to an annual maximum of 250,000 extra points, you can earn one (1) extra point for every $1.00 in eligible purchases made at Your 3 Suppliers which means purchases at Canadian locations of the three suppliers the Basic Cardmember chooses from a predefined list of American Express small business merchants. To view the list of participating merchants, visit americanexpress.ca/supplierlist. List is subject to change without notice. Extra points will not be earned at Your 3 Suppliers of the merchant category for the purchase is not identified. This may happen when the transaction information we receive does not come directly from the merchant, for example, when the purchase is made: i) using your payment account with a third party, ii) using your Card at an online retailer that sells goods and services of other merchants, or iii) if the merchant uses a third-party payment service such as a card reader attached to a mobile phone.
    
    
12. American Express Marriott Bonvoy Business Offer:

     

    These offers are only available to new Marriott Bonvoy^TM Business American Express^® Cardmembers. For current or former Marriott Bonvoy Business American Express Cardmembers or Starwood Preferred Guest Business Credit Card from American Express Cardmembers, we may approve your application, but you will not be eligible for the welcome offers. Offers subject to change at any time. Account must be in good standing.
     
    70,000 Welcome Bonus Points

    Offer To qualify for the 70,000 Bonus Marriott Bonvoy^TM points, you must have at least $5,000 in net purchases posted to your account on or before your three (3) month anniversary date. Funds advances, interest, balance transfers, Amex cheques, annual fees (if applicable), other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for eligible purchases. Points may be deducted if returns are made that put you below the spend threshold. Please allow up to 8 weeks after earning your points for your account to be updated.
     
    5x points on Gas, Dining & Travel

    You can earn five (5) Marriott Bonvoy^TM points for every $1 in eligible purchases charged on your Marriott Bonvoy Business American Express Card at American Express retail merchants as follows: (i) at stand-alone automobile gasoline stations in Canada; (ii) restaurants, quick service restaurants, coffee shops and drinking establishments in Canada; and (iii) for travel services or travel bookings including air, water, rail and road transport, but not including local and commuter transportation, and lodging up to a combined maximum of 15,000 Marriott Bonvoy^TM points earned on net purchases posted to your account in the first three months of Cardmembership on these categories. Once the maximum is reached, you will no longer earn at 5 points for every $1 regardless of any deductions of points for credits, returns and adjustments. Earn 3 points for every $1 thereafter. Purchases at merchants where these categories are not their primary business such as general merchandise retailers do not qualify. Merchants are typically assigned codes and categorized based on what they sell. Earn rate of two (2) points for every $1 applies when the merchant code is not in an eligible category, using a payment account or service of a third party, a card reader attached to a mobile phone or online retailer that sells goods of other merchants or the merchant category is otherwise not identified. Points will be earned on the amount of all eligible purchases, less credits and returns. Funds advances, interest, balance transfers, Amex cheques, annual fees (if applicable), other fees, and charges for travelers cheques and foreign currencies are not purchases and do not qualify for points. If you receive points in error, we reserve the right to deduct them from your account. Account must be in good standing.

    
    2 Free Nights Estimate

    Two nights are based on a standard room at a Category 5 property during standard season, inclusive of room rate and applicable taxes but exclusive of resort fee. Points required for a free night range from 7,500 points for any night in a standard room at a Category 1 property to up to 100,000 points for a night in a standard room at Category 8 properties. Category 8 properties that are all suites or villas require higher points redemption. For complete information on reward stays or the number of points required for a stay, please see https://www.marriott.com/loyalty/pointsGridPopUp.mi. Subject to Change. Marriott may change the Category in which a specific Marriott participating hotel is classified at any time. The amount of points required to obtain rooms at Marriott participating hotels varies by category of the Marriott participating hotel and may also vary by time of year.
     
    



13. Account must be in good standing. You will earn five (5) Marriott Bonvoy points from American Express for every $1 of eligible purchases (less credits and returns) charged on your Marriott Bonvoy Business American Express Card when charged directly with participating Marriott Bonvoy properties, stand-alone Marriott Bonvoy retail establishments, and Marriott Bonvoy online stores (including online purchases of Marriott Bonvoy gift cards), that in each case, are owned or managed by Marriott International, Inc. and its affiliates. You can earn three (3) points for every $1 in eligible purchases charged on your Marriott Bonvoy Business American Express Card at American Express retail merchants as follows: (i) at stand-alone automobile gasoline stations in Canada; (ii) restaurants, quick-service restaurants, coffee shops, and drinking establishments in Canada; and (iii) for travel services or travel bookings including air, water, rail, and road transport, but not including local and commuter transportation. Purchases at merchants where travel sales are not their primary business (including general merchandise retailers) do not qualify for the earn rate in this category. Merchants are typically assigned codes and categorized based on what they sell. Earn rate of two (2) points for every $1 applies when the merchant code is not in an eligible category, using a payment account or service of a third party, a card reader attached to a mobile phone or online retailer that sells goods of other merchants, or the merchant category is otherwise not identified. Points will be earned on the amount of all eligible purchases, less credits and returns. Funds advances, interest, balance transfers, Amex cheques, annual fees (if applicable), other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for points.
    
    
14. Each year if, before the annual reset date, you reach $30,000 in net purchases charged to your account you will earn Marriott Bonvoy Gold Elite status in the Marriott Bonvoy program for a minimum of 1 year (unless you are already enrolled at that or a higher level). Account must be in good standing. On the annual reset date, the amount of annual net purchases resets to zero. Subject to terms and conditions at www.marriott.com/loyalty/terms. If you already have Gold Elite status or higher status in the Marriott Bonvoy program, you will retain that status as long as you meet the requirements specified in the Marriott Bonvoy terms and conditions.
    
    
15. Each year, 8-10 weeks after your annual anniversary date, you will earn an Annual Free Night Award redeemable within 1 year from issuing for an available single or double occupancy standard room at participating Marriott Bonvoy properties with a room rate of up to 35,000 points, inclusive of room rate and applicable taxes but exclusive of resort fee. Account must be in good standing. To view the full terms and conditions, visit www.marriott.com/loyalty/terms.
    
    
16. Account must be in good standing. To qualify for a Welcome Bonus of 150 AIR MILES Reward Miles you must have at least $1,000 in net purchases posted to your account in your first 3 months of Cardmembership.
    
    
17. Account must be in good standing. AIR MILES Reward Miles will be earned on the amount of all purchases, less credits and returns. Funds advances, interest, balance transfers, Amex cheques, annual fees (if applicable), other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for Reward Miles. Accelerated earn rate is available at Sponsors that are American Express merchants. Visit the Eligible Sponsor List at americanexpress.ca/airmiles sponsors for details. List is subject to change without notice. If you are upgrading your Card, new earn rate(s) will apply to credits and returns regardless of the original earn rate for purchases.
    
    
18. All Rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. To redeem for Travel and/or Merchandise Rewards, you must have accumulated sufficient AIR MILES Reward Miles in your Dream Balance. Some restrictions may apply. Quantities may be limited. Collectors must pay taxes, fuel surcharges and other applicable charges and fees on air, hotel and car rental Rewards. Travel Rewards may be subject to a minimum advance booking and availability from participating Suppliers. Merchandise rewards include all taxes, shipping and handling costs. No cancellations, exchange or refunds for tickets, certificates or merchandise once booked or ordered. Manufacturers’ warranties apply to merchandise Rewards. LoyaltyOne, Inc. makes no representations or warranties, expressed or implied. For complete details, see current Program Terms and Conditions available at airmiles.ca or the AIR MILES Customer Care Centre at 1-888-AIR MILES (in Toronto (416) 226-5171).
    
    
19. Welcome Bonus – Subject to change without notice. Account must be in good standing. To qualify for the 2,000 bonus Reward Miles, you must have at least $5,000 in net purchases posted to your account within your first three months of Cardmembership. Please allow up to eight weeks from the date the bonus Reward Miles were earned for the bonus to be awarded. This offer cannot be combined with any other offer.
    
    
20. You can earn AIR MILES Reward Miles for eligible retail purchases at American Express merchants in Canada as follows:
    

• 1 Reward Mile for every $10 at AIR MILES Partners. Visit the eligible Partner list at americanexpress.ca/airmilespartners. List is subject to change without notice. 
  
• 1 Reward Mile for every $15 of other card purchases.
  Provided your account is in good standing, Reward Miles can be earned on eligible purchases less returns and other credits. Funds advances, interest, fees, balance transfers, Amex cheques and charges for travelers cheques and foreign currencies are not purchases and do not earn Reward Miles.